Personal Finance

Emirates Islamic presents you with the opportunity to enjoy more from life with our personal finance solutions. Personal Finance is based on a Murabaha arrangement through trading of Shari'a compliant instruments like Shares or Wakala Certificates.

Click here to calculate your eligibility.


  • Financing available to salaried and self employed customers
  • Very competitive profit rates
  • Financing up to 3 million for UAE Nationals and 1 million for Expatriates.
  • Approvals in 24 hours
  • Preapproved credit card and 100% discount on first year's annual fees
  • Nominal processing fees
  • Exclusive policy terms on buyout loans/finances
  • Certificate of Takaful / Insurance Cover

  • Minimum monthly salary of AED 5,000
  • Length of service - Minimum one month/first salary credit into Emirates Islamic account
  • Minimum age of 21 years
  • Maximum age of 65 for UAE Nationals and 60 for Expatriates at the time of maturity


Click here to calculate your eligibility.

  • Completed application form
  • Copy of valid passport with valid UAE residence visa for expatriates (original required for verification)
  • Last three months bank statements
  • Salary transfer letter / salary certificate (for salaried customers only)
  • Account opening forms for shares trading
  • Liability letter (for buyout cases only)
  • Trade license (for self employed customers)

Calculator

Finance Amount AED
Min AED 50000
Max AED 500000
Tenor (Months) Months
  • 6
  • 60
Profit Rate (% p.a. flat)


Monthly Payment (AED):  

* Terms and conditions apply
Interest rates vary by tenor & subject to bank policy

* Trading commission as applied by the broker will be charged to the customer. Emirates Islamic Terms and Conditions Apply.


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